The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$22,422
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,119
−HK$709/mo
Today · 4.125%
HK$23,828
baseline
▲ 0.50% · 4.625%
HK$25,278
+HK$1,450/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,656/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,944
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,613
−HK$679/mo
Today · 4.125%
HK$26,292
baseline
▲ 0.50% · 4.625%
HK$27,678
+HK$1,386/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,584/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,906
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,743
−HK$851/mo
Today · 4.125%
HK$28,594
baseline
▲ 0.50% · 4.625%
HK$30,334
+HK$1,740/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,188/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,933
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,736
−HK$814/mo
Today · 4.125%
HK$31,550
baseline
▲ 0.50% · 4.625%
HK$33,213
+HK$1,663/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,100/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,391
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,367
−HK$992/mo
Today · 4.125%
HK$33,359
baseline
▲ 0.50% · 4.625%
HK$35,389
+HK$2,030/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,718/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,922
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,859
−HK$950/mo
Today · 4.125%
HK$36,809
baseline
▲ 0.50% · 4.625%
HK$38,749
+HK$1,940/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,618/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,360
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,615
−HK$1,276/mo
Today · 4.125%
HK$42,891
baseline
▲ 0.50% · 4.625%
HK$45,500
+HK$2,609/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$85,782/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,900
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,104
−HK$1,222/mo
Today · 4.125%
HK$47,326
baseline
▲ 0.50% · 4.625%
HK$49,820
+HK$2,494/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$94,652/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,312 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).